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Financing in San Diego Land-Owned Communities

Foundations and the Mobilehome Park Conversion Process

Condo Park Communities

Manufactured Home Park Communities remain the most popular setting for manufactured homes. Although many parks are rental and leasehold, for loan and collateral purposes, lenders generally require that the owner of the home also own the land upon which the home sits—a land-home transaction. Some resident owned parks are Subdivisions or a Planned Unit Development, but many condominium conversion parks also qualify. To see if a park is on the HUD approved list, click here. All other requisite conditions for any manufactured home loan must also be met.   We have provided a list of some and current approval conditions.


  • Casitas del Amigos, San Marcos: No deed restrictions  VA, FHA (Expires 3/29/19)  Conventional (Expires 7/10/19)
  • Casitas del Sol, San Marcos: Deed restricted #7,9,16,20,42,48,88,104,105,112,131,148,163,165,182,187,191 ARE INELIGIBLE FOR FHA FINANCING.  VA FHA (Expires 7/11/19)  Conventional (Expire 1/19/20)
  • Champagne Village Escondido: Deed restricted: SPECIAL HAZARD FLOOD ZONE UNITS 8,12,14,30-35,37-43 AND 65-73 ARE INELIGIBLE FOR FHA   VA FHA (Expires 6/22/20)  Conventional (Expires 6/21/19)
  • Chumash Village, San Luis Obispo EXPIRED
  • Escondido Views, Escondido: No deed restrictions No Conventional FHA (Expires 3/29/19)  VA
  • Foothills of San Marcos, San Marcos: No deed restrictions  Conventional (Expires 10/16/19) VA
  • La Moree, San Marcos: Deed Restricted: #12,14,19,55,58,65,75,105,112 ARE INELIGIBLE. No Conventional or FHA, only VA
  • Lake Jennings, Lake Jennings: No deed restrictions FHA(Expires 2/15/20)  Conventional (Expires 5/4/19)  VA
  • Madrid Manor, San Marcos: Deed restricted: #29,39,44,61,116,224,262 ARE INELIGIBLE FOR FINANCING. VA  No FHA  Conventional (Expires 9/5/20)
  • Mountain Shadows: City owned: THE 24 LOTS OWNED BY THE CITY OF ESCONDIDO – #6,9,31,35,50,54,65,66,85,98,99,106,109,112,118,120,128,133,160,165,177,194,198,205  FHA (Expires 2/14/190 and Conventional Expired 8/24/18)
  • Park Encinitas Conventional (Expires 9/5/20) No FHA or VA
  • Rancho Carlsbad, Carlsbad: UNITS 1-52,54-57,67-103,107,109,126,184-191,195,235-238,262-269,277-286,291-318,320-504 are eligible  Conventional (Expires 3/29/19) and FHA (Expires 1/24/20)  VA
  • Rancho Escondido, Escondido VA, Conventional (Expires 3/29/19) No FHA
  • Rancho Monserate, Fallbrook VA, FAH (Expires 6/15/20) and Conventional (Expires 1/23/20)
  • San Marcos View, San Marcos: No deed restrictions FHA (Expires 6/29/19) and Conventional (Expires 1/7/19)  NO VA
  • Shorecliffs, San Clemente: No deed restrictions
  • Skys Haven, Desert Hot Springs: No deed restrictions
  • Sierra Vista, Conventional (Expires 9/19/19) VA but no FHA
  • Solamar, Carlsbad VA, Conventional (Expires 3/19/20)  FHA (Expires 8/20/20)
  • Twin Oaks: Only: ONLY M/H UNITS: #2,7,8,11,12,19-21,24,27,28,31,37,40,43,46-50,52,55,56,59,61,75,79,85-89,91,92,93,94,95,122,123,125,138,140,148,150,152,153,156,158,163,164,168,170,173,178,180,181,184,187,188,190,193,195 ARE ELIGIBLE.  VA, FHA (Expires 4/20/19) Conventional (Expires 1/23/20)
  • Vista Montana, San Diego: No deed restrictions VA FHA (Expires 2/17/19) Conventional (Expired 7/15/18)
  • Warner Springs Estates: No deed restrictions



  • Camino Hills – Carlsbad
  • Citrus Gardens – Escondido
  • El Camino Estates  – Carlsbad
  • Emerald Lake – Oceanside
  • Las Brisas Pacificas – San Marcos
  • Palm Desert Greens Estates – Palm Desert
  • Portola Country Club – Palm Desert
  • Pilgrim Creek – Oceanside
  • Shadowridge Crossing – Vista (Family Park)
  • Via Verde – Escondido
  • Vista del Mar – Vista
  • Vista Montana, Desert Hot Springs